About
Siirto is Finland's phone-number payment service, built into participating banks' own mobile apps rather than offered as a separate wallet. It is run by Siirto Brand Oy, a joint company of OP and Nordea, whose customers were the first able to use the renewed service. Money moves between bank accounts in real time, 24/7, and users are identified only by their mobile number. Siirto also works as an online checkout at around 30,000 retailers, according to Nordea, and a 2026 update forwards the user's e-invoicing address to billers so bills arrive in the bank app automatically. Siirto reported around one million registered users in June 2026.
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